Nassau Growth Annuity
Nassau Life
10%
Best Cap
10%
Free W/D
49
States
Nassau Growth Annuity is a single-premium fixed indexed annuity designed to accumulate retirement savings with market exposure and downside protection, plus optional lifetime income riders to guarantee income for life.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$15,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Nasdaq-100 Index | 2-Year | -- | 63% | -- |
| Nasdaq-100 Index | Annual | -- | 47% | -- |
| Smart Passage SG Index | 2-Year | -- | 172% | -- |
| Smart Passage SG Index | Annual | -- | 108% | -- |
| S&P 500 Index | 2-Year | -- | 81% | -- |
| S&P 500 Index | Annual | 10% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.7% |
Key Features
Principal Protection
0% minimum creditInterest credited to your account is guaranteed never to be less than 0%, protecting your money even when markets decline
Indexed Account Options
Up to 14 account choicesChoose allocations among 13 indexed accounts (S&P 500, Nasdaq-100, Smart Passage SG) plus one fixed account
Crediting Strategies
6 strategy typesSelect from Point-to-Point with cap, participation rates, Sunrise with participation, or enhanced participation with strategy fee
Guaranteed Lifetime Income Riders
Starting at no costFour riders available (Amplified Income, Amplified Income Plus, and Rising Income Opportunity versions) that guarantee income for life
Performance-Based Roll-Up
150% of growthIncome benefit base grows by 150% of annual contract growth (net of strategy fees) for up to 15 years
Free Withdrawals
10% annuallyWithdraw up to 10% of contract value annually without surrender charges during the surrender period
Tax Deferral
Tax-deferred growthAll earnings grow tax-deferred and don't count toward Social Security income calculations
Return of Premium
Guaranteed minimumUpon death or surrender after the period ends, receive at least your original premium minus withdrawals
Highlights
Capture market upside through indexed accounts (S&P 500, Nasdaq-100, Smart Passage SG) while protecting principal from losses
Choose from 4 guaranteed lifetime income riders with performance-based growth (150% roll-up) to build retirement income
Flexible access with 10% annual free withdrawals and choice of 7 or 10-year surrender periods
Tax-deferred growth that doesn't count toward Social Security income calculations
Principal protection: index credits never go below 0%, even in down markets
Surrender Schedule
Yr 1
12%
Yr 2
12%
Yr 3
12%
Yr 4
11%
Yr 5
10%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Yr 10
4%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retirees and near-retirees seeking to accumulate retirement savings with market upside while protecting principal, and who want the option to convert savings into guaranteed lifetime income.
Consider Alternatives If
Those needing short-term access to funds, investors seeking direct stock ownership, or individuals who cannot commit to long-term holding periods.
Carrier Ratings
Free Comparison Report
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